Compare Low APR Credit Cards

Credit cards that offer 0% introductory APR rates are a great way to enjoy interest-free purchases. Some of these cards combine a 0% intro purchase APR with a 0% intro balance transfer APR, so you can save additional money on expenditures you've already made. Citi recently upped the ante in this market by moving to a 21-month 0% intro APR for purchases and balance transfers on two of their cards, the longest 0% APR we've seen since we've been reviewing credit cards. Some of the below credit cards also include cash back and other rewards for purchases made with your card. We've reviewed top cards from the biggest issuers and below is our list of the best low APR credit cards from our partners that we've reviewed. If you'd like to learn more about credit cards and how they work, visit our Credit Card FAQs.

Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.

Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.

Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Unlimited 1% cash back on all other purchases.

Our Rating:

Excellent combination of cash back rewards and 0% intro APR; 5% back at wholesale clubs until end of year; $150 Bonus opportunity

Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.

Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.

Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.

Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.24%-23.24% Variable, based on creditworthiness.

Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

Late Payment Fee: Up to $38

Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.

APR for Cash Advances: 25.49%

Penalty APR: 29.49%

Returned Payment Fee: Up to $38.

$95

0% on Balance Transfers for 12 months, then 13.24%-23.24% Variable

Excellent, Good

Earn 10% back on Amazon.com purchases made in first 6 mos (max $200 back), 6% cash back at US supermarkets (up to $6K), 3% back on US gas & select US dept stores; 1% back on other purchases. $150 intro bonus after spending $1K in first 3 mos. Terms apply.

Our Rating:

10% cash back at Amazon for first 6 months (up to $200 back); 6% cash back at U.S. supermarkets on up to $6K in purchases; $150 intro bonus; 0% APR on purchases and balance transfers for 12 months. Terms apply.

Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.24%-23.24% Variable, based on creditworthiness.

Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

Late Payment Fee: Up to $38

Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.

APR for Cash Advances: 25.49%

Penalty APR: 29.49%

Returned Payment Fee: Up to $38.

$0

0% on Balance Transfers for 12 months, then 13.24%-23.24% Variable

Excellent, Good

Earn 10% back at Amazon.com in first 6 months (up to $200 back), 3% cash back at US supermarkets (up to $6K), 2% cash back on US gas & select dept stores; 1% cash back on other purchases. $100 bonus after spending $1K in first 3 mos. Terms apply.

0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 13.24% - 23.24% Variable APR on balance transfers

Excellent/Good

Earn 3% cash back on gas, 2% back at wholesale clubs & grocery stores up to $2,500 gas/wholesale club/grocery store quarterly spend, 1% back on other purchases, $100 online bonus after spending at least $500 on purchases in first 90 days.

Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.

0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days., then 13.24% - 23.24% Variable APR on balance transfers

Excellent/Good

Earn 3% cash back on gas, 2% back at wholesale clubs & grocery stores up to $2,500 gas/wholesale club/grocery store quarterly spend, 1% back on other purchases, $100 online bonus after spending at least $500 on purchases in first 90 days.

Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.

Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.24%-23.24% Variable, based on creditworthiness.

Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

Late Payment Fee: Up to $38

Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.

APR for Cash Advances: 25.49%

Penalty APR: 29.49%

Returned Payment Fee: Up to $38.

$95

0% on Balance Transfers for 12 months, then 13.24%-23.24% Variable

Excellent, Good

15,000 bonus points after spending $1,000 in first 3 mos, 3 points per $1 spent at U.S. supermarkets (on up to $6K annually, then 1 point), 2 points per $1 spent at U.S. gas stations, 1 point per $1 spent on eligible purchases. Terms apply.

Our Rating:

Get Amex benefits previously only given to charge card members, multiple ways to use earned points. Terms apply.

Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.

Combines very low ongoing APR and no balance transfer fees with travel rewards program

Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.

Advertiser Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.